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Prudential Financial, Inc.

Prudential Financial, Inc.

NYSE•PRU
CEO: Mr. Charles Frederick Lowrey Jr.
Sector: Financial Services
Industry: Insurance - Life
Listing Date: 2001-12-13
Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments. The PGIM segment offers investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies to institutional and retail clients, as well as its general account. The Retirement Strategies segment provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; develops and distributes individual variable and fixed annuity products. The Group Insurance segment offers various group life, and long-term and short-term group disability, as well as group corporate-, bank-, and trust-owned life insurance in the United States primarily for institutional clients for use in connection with employee and membership benefits plans; sells accidental death and dismemberment, and other supplemental health solutions; and plan administration services in connection with its insurance coverages. The Individual Life segment develops and distributes variable life, universal life, and term life insurance products. The International Businesses segment develops and distributes life insurance, retirement products, investment products, and certain accident and health products; and advisory services. The company provides its products and services to individual and institutional customers through its proprietary and third-party distribution networks. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
Contact Information
751 Broad Street, Newark, NJ, 07102, United States
973-802-6000
www.prudential.com
Market Cap
$41.35B
P/E (TTM)
15.7
14.2
Dividend Yield
4.6%
52W High
$123.88
52W Low
$90.38
52W Range
80%
Rank32Top 16.7%
5.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$17.95B-8.10%
4-Quarter Trend

EPS

$4.03+225.00%
4-Quarter Trend

FCF

$4.30B+288.78%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Q3 Net Income Growth Net income attributable to PFI $1.43B Q3 2025, up 220% from $448M Q3 2024, driven by favorable variances.
Diluted EPS Shows Strong Recovery Diluted EPS $4.01 for Q3 2025, significantly higher than $1.24 reported in Q3 2024, reflecting improved profitability.
Total Assets Increased Quarter End Total assets reached $776.3B as of September 30, 2025, up from $735.6B at December 31, 2024, showing balance sheet growth.
Nine Month Net Income Stable Nine months net income attributable to PFI was $2.67B in 2025, slightly down from $2.78B in 2024, despite revenue decline.

Risk Factors

Nine Month Revenue Declined Sharply Total revenues $45.1B for nine months 2025, down $12.8B from $57.9B in 2024, due to lower premiums.
Significant AOCI Unrealized Losses Net unrealized losses on investments within AOCI totaled $(25.23)B as of September 30, 2025, reflecting market volatility impacts.
Market Risk Benefit Liabilities Rise Market risk benefit liabilities grew to $4.77B by September 30, 2025, driven by changes in interest rates and equity volatility assumptions.
Investment Losses Remain Elevated Realized investment losses for nine months 2025 were $(3.46)B, largely due to derivative impacts and fixed maturity sales.

Outlook

Capital Structure Management Actions Issued $750M senior notes in March 2025; redeemed $1.0B junior subordinated notes in May 2025 to manage debt.
International Reinsurance Transaction Closed Completed $7B reserve reinsurance with Prismic Re International in March 2025, structured on a coinsurance basis.
Evaluating New Tax Legislation Impact Evaluating impact of Tax Act of 2025, which reduces Section 250 deduction starting in 2026, on future tax rates.

Peer Comparison

Revenue (TTM)

MetLife, Inc.MET
$71.29B
-0.1%
Prudential Financial, Inc.PRU
$57.91B
-13.2%
Manulife Financial CorporationMFC
$49.05B
+41.4%

Gross Margin (Latest Quarter)

Manulife Financial CorporationMFC
22.2%
-162.0pp
Jackson Financial Inc.JXN
0.0%
+0.0pp
Prudential plcPUK
0.0%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
MFC$59.78B13.811.9%1.3%
AFL$59.54B14.015.4%0.0%
MET$54.09B14.213.8%2.8%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
12.5%
Steady Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Feb 3, 2026
|
EPS:$3.38
|
Revenue:-
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 30, 2025|
    Revenue: $17.95B-8.1%
    |
    EPS: $4.03+225.0%
    Beat
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Jul 31, 2025|
    Revenue: $13.80B-7.6%
    |
    EPS: $1.49-54.6%
    Miss
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 1, 2025|
    Revenue: $13.54B-42.5%
    |
    EPS: $1.96-37.2%
    Miss
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 13, 2025|
    Revenue: $70.68B+30.2%
    |
    EPS: $7.54+11.5%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 31, 2024|
    Revenue: $19.53B+131.4%
    |
    EPS: $1.24-155.6%
    Miss
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 2, 2024|
    Revenue: $14.94B+10.5%
    |
    EPS: $3.28+137.7%
    Miss
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 2, 2024|
    Revenue: $23.56B+38.1%
    |
    EPS: $3.12-20.8%
    Meet
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 21, 2024|
    Revenue: $54.27B-4.7%
    |
    EPS: $6.76+250.6%
    Miss